Car Insurance Rate Quotes – New and Pre Owned

It is important for any owner to find out the best car insurance rates. Quotes are the only way to get the cheapest deal. If you simply take the first policy that comes your way or the first quote that comes your way it is unlikely you will get a low premium. There are many factors to take into account. However, if you are insuring a new vehicle then you have a very good chance of getting a premium that is cheap. This is because a brand new car is considered as a low risk vehicle.

Even if you want car insurance rate quotes for a brand new vehicle the insurance company will want to know about your driving history and where you park your car. They are especially interested in knowing where you keep your car overnight. Obviously if you keep your car in a locked garage it will help lower your monthly payments. Another very good means of bringing down your premium is if you have a good driving history. Insurance companies want clients who are responsible drivers. Those with a good driving history are regarded as low risk clients.

If you are insuring a pre owned vehicle then your monthly premium may be a bit higher. However, once again, if you have a good driving history and your car is safely housed overnight your application will be viewed as less risky. Insurance for a pre owned car is also dependent on the condition and also the age of the vehicle.

Whether you have a vehicle that is new or pre owned you have to take a good look at car insurance rate quotes. Your monthly premium is going to be set and you are going to have to come up with the cash to pay for it as long as you own a car.

Be Your Own Patient Advocate Before Surgery

When planning for surgery it is useful to learn the art of being your own patient advocate. Today’s health and wellness industry has made it easy for us to obtain information to ensure we receive quality care. When we do our own thorough research ahead of time we can feel confident about having a positive surgery outcome.

How to be a patient advocate in navigating health insurance:

It is important to have a full understanding of your health insurance plan. Here are some of the things I learned this past year:

· When in need of a new insurance plan seek out a local insurance broker to help sort out the best plan for your specific needs. Free of charge, they help us attain emotional health about the coverage we choose. These agents know which plans do not raise their rates yearly, which ones are most appropriate to choose with pre-existing conditions, and which plans will be available long-term.

· Whenever you receive a new insurance plan you need to become your own patient advocate by reading through the policy right away. This will inform you if they have placed any restrictions on covering any of your current medical conditions. You do have 30 days to cancel the plan if you find the policy unacceptable.

· If a situation presents where you are not able to pay your medical bill you can make alternative payment arrangements. Those with financial hardships are able to reduce their hospital fees or perhaps waive them entirely.

How to be your own patient advocate for medical visits:

· The health and wellness industry has been great at educating us how to prepare ahead of time for a medical visit. Most of us have already experienced the value of writing down our questions before the visit. To optimize your limited time with the doctor I advise asking your practitioner only those questions they themselves can answer. As my own patient advocate I have learned to query other staff with the remainder of my questions. For example:

1. Direct inquiries about pre-post surgery issues to the surgery scheduler.

2. Ask the front desk staff how to obtain the morbidity & mortality statistics for the doctor and hospital.

· The health and wellness industry has encouraged us to have a trusted person with us during the medical visit. When another is present it allows them to become your patient advocate. I have found their presence vital since way too often my trusted friend brings up issues I failed to mention. It helps me take care of my emotional health when the trusted person is my scribe and documents the doctor’s comments.

· When you need a physician to submit a form (or write a letter) on your behalf it is best to prepare ahead of time. Here are a few examples:

1. When requesting a temporary handicapped parking permit find out ahead of time if the DMV requires you to download their form. If not, draft a letter with your request for the doctor to sign.

2. Whenever you need the doctor to write a letter confirming a medical condition it is best to become proactive as your own patient advocate. Arrive at the medical visit with a sample letter which includes all the pertinent information so you leave with it in-hand.

3. When you need a medical test ordered at another facility come prepared with the name of the facility and FAX number where the request can be sent.

When you follow these guidelines chances are greater you will leave the visit with total confidence that your needs are being handled.

How to be your own patient advocate before and after surgery:

· Know that you can request an early morning surgery when necessary. In taking care of your health and wellness inform the surgery scheduler of needs for early morning surgery if you have health issues that would be compromised when pre-surgery requirements forbid the intake of food or water. Prior to surgery it is best to take care of your emotional health and speed up the time your body is without nourishment.

· It is desirable to have a trusted friend stay in your hospital room overnight. If something unusual presents they can be of immediate value. Today hospitals have a chair that folds down into a bed for these specific purposes.

How to be your own patient advocate in finding the best surgeon:

· The health and wellness industry has made it easy for us to do research online. In your inquiry, seek out the latest state-of-the-art surgery technologies. After studying the various options you are more ready to select a surgeon.

· Search for doctors that use minimally invasive surgical techniques to reduce pain, restore mobility, and promote a quicker return to normal activities.

· In being your own patient advocate you may find the need to look outside your local area for a surgeon. Surgery is an invasive medical procedure. It is in your best interest to feel confident you will receive the highest quality of care.

· I encourage you to inquire how experienced your potential surgeon is. You want someone who has done the procedure hundreds of times to ensure the best outcome.

Hopefully you feel more feel confident about being your own patient advocate when planning for surgery. There are countless online resources available to help sort through the maze of information. Use these guidelines when seeking out what is available and you will find balance in your emotional health.

Car Insurance Rates – The Best For Less

The cost of your car insurance policy is not an indication of its quality. Although you can’t get the best without paying for it, you can pay a lot more than you should for an insurance policy. What if there’s a way for you to get your present insurance coverage for less? Read through carefully to see how you can save on car insurance.

Anybody who likes shopping knows that it’s the way to get great deals on anything. It makes no difference whether you want to buy a house or get a contractor to help you fix a few things. The difference, however, is that while the margin in many things could be low, in car insurance you can save over $2,000 depending on how you shop, what you shop for and what your profile is.

Why is this so? Insurance companies use certain factors to determine a person’s risk. However, they all have different views of how much each of these factors indicate a person’s risk level. What an insurance company calculates as the risk involved in insuring you is what determines your rates.

Therefore if you check with five different insurers, you’ll get 5 different quotes for the same profile and policy. Differences in rates could be as small as $50 or as much as $2,700!

This means that if you know how to shop and where to shop for quotes you can get as much as 50% or more off your current auto insurance costs. This can be a time-consuming process if you attempt to do it by calling up different insurance agents and getting quotes from them.

Thankfully all you have to do now is visit specialized sites for your quotes. These sites ask for simple details that will help determine your profile and desired coverage. You’ll be done with each site in around five minutes and for that you’ll have up to five quotes if you use certain quotes sites.

If you want to save much more then you have to do more: Visit more of such sites. The reason is that doing this will make you get more quotes thereby reducing the odds that you’ll miss out a great offer not presented on any of the other sites.

If this will take you a total of between 30 minutes and one hour isn’t it worth it even if you only save a few hundred dollars?

But what if your profile and policy are such that might attract savings of over $1,000? A young man saved $2,644!